Rochelle, IL · Cert 9080 · Holcomb Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
21
Asset Quality
85
Profitability
75
Liquidity
0
Efficiency
54
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Rochelle, IL · Cert 9080 · Holcomb Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Rockford, IL · 2026 SOD (annual) · 0.5% share · #17 of 21 inst. · $0.0B of $9.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.71% | 0.87% | 0.96% | 1.00% | 1.04% | 1.15% | 1.21% | +25 bps | |
| Return on Equity | 11.06% | 11.76% | 13.51% | 14.82% | 15.07% | 15.60% | 16.24% | 16.80% | +198 bps | |
| Net Interest Margin | 2.71% | 2.86% | 3.09% | 3.22% | 3.38% | 3.39% | 3.56% | 3.65% | +42 bps | |
| Efficiency Ratio | 73.14% | 72.07% | 69.15% | 66.88% | 66.98% | 66.11% | 63.70% | 62.97% | -391 bps | |
| Non-Interest Burden | 1.88% | 1.96% | 2.02% | 2.02% | 2.13% | 2.10% | 2.10% | 2.13% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.39% | -5.34% | -6.85% | -3.43% | -2.42% | 4.61% | 4.78% | 1.94% | +537 bps | |
| Loan Growth (YoY) | -1.20% | 1.17% | 2.74% | 3.07% | 5.06% | 7.26% | 6.10% | 5.10% | +203 bps | |
| Deposit Growth (YoY) | -4.51% | -3.50% | -2.15% | 3.27% | 3.15% | -0.12% | 0.00% | -1.99% | -526 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.00% | 0.02% | 0.02% | 0.05% | 0.03% | 0.11% | 0.03% | +1 bps | |
| Net Charge-Offs / Loans | -0.11% | -0.09% | -0.05% | -0.05% | -0.16% | -0.10% | -0.02% | -0.02% | +3 bps | |
| Allowance / Loans | 1.26% | 1.27% | 1.26% | 1.27% | 1.33% | 1.28% | 1.28% | 1.29% | +2 bps | |
| Allowance Coverage of NPLs | 30.2x | n/a | 54.2x | 54.7x | 24.8x | 41.1x | 12.0x | 41.4x | -13.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.44% | 8.61% | 8.71% | 8.96% | 8.83% | 8.72% | 8.77% | 8.84% | -12 bps | |
| Total Risk-Based Capital | 12.79% | 12.72% | 12.72% | 12.77% | 12.39% | 12.22% | 12.61% | 12.83% | +6 bps | |
| Equity / Assets | 6.60% | 6.28% | 6.57% | 6.68% | 6.98% | 6.94% | 7.28% | 7.41% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.97% | 90.54% | 90.04% | 90.18% | 94.69% | 97.23% | 95.53% | 96.71% | +653 bps | |
| Liquid Assets / Assets | 3.86% | 3.41% | 3.47% | 3.50% | 2.14% | 3.94% | 5.05% | 2.78% | -72 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 404% | 426% | 424% | n/a | n/a | |
Rochelle, IL · Cert 9080 · Peer group: banks under $1B in assets in IL (n=149-151) · Holcomb Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.23%
Rank 48 of 151
Net Interest Margin
3.65%
Rank 51 of 151
Efficiency Ratio
62.97%
Rank 70 of 151
Equity / Assets
7.41%
Rank 141 of 151
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.23% | 0.70% | 1.03% | 1.34% | Beats 68% | 48 / 151 | ||
| Return on Equity | 16.62% | 6.74% | 9.34% | 12.94% | Beats 91% | 14 / 151 | ||
| Net Interest Margin | 3.65% | 3.02% | 3.43% | 3.83% | Beats 66% | 51 / 151 | ||
| Efficiency Ratio | 62.97% | 54.64% | 64.89% | 72.50% | Beats 54% | 70 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.20% | 0.66% | 1.77% | Beats 89% | 17 / 149 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 81% | 29 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.58% | 11.83% | 14.17% | 18.66% | Beats 21% | 120 / 151 | ||
| Total Risk-Based Capital Ratio | 12.83% | 12.22% | 14.54% | 19.92% | Beats 34% | 99 / 151 | ||
| Equity / Assets | 7.41% | 9.10% | 10.65% | 12.40% | Beats 7% | 141 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.71% | 54.39% | 71.02% | 80.75% | 95th pctl | 8 / 149 | ||
| Loans / Assets | 75.94% | 45.91% | 61.31% | 68.01% | 93rd pctl | 11 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||